Make sure University Credit Union has your current contact information, including daytime phone number. To verify your information, log on to e*branch. Click on the "Your Preferences" tab and choose "Contact Information" from the drop down list. Make any updates and submit.
1. Recommended to order and review your credit report from all three credit bureaus at least once a year. If possible, register to receive notice/phone call whenever there is a credit inquiry.
2. Do not carry anything containing your social security number, or family's social security number (i.e. social security card, insurance, etc) in your purse or wallet.
3. Keep a minimal number of credit or debit cards in your purse/wallet.
4. Never leave any PIN information anywhere it could be easliy accessed (i.e. on the card, written in an organizer, ect).
5. Never leave your purse/wallet in the car - even for "5 minutes". A majority of the victims are people leaving their belongings in the car to "drop off their child" or while working.
6. When using an automatic teller machine, make certain no one sees you punch in your personal identification numbers.
7. Try to register accounts together with one service. This allows one phone call to cancel everything.
8. Closely monitor your telephone bills, credit card statements and other bills to make sure there is no one using them without authorization. Take advantage of on-line abilities to monitor your activity often.
9. Deposit outgoing mail in post office collection box. (even better, sign up for University Credit Union's FREE checkfree Bill Payer service it's easy & secure).
10. If your credit card statement does not arrive on time , call the company and ask about it.
11. Never leave receipts behind. Take them with you or tear them up. Shredding them is even better. Most companies now mask the credit/debit card number. - If your merchant isn't doing this, ask them to implement this protection.
12. Give your social security number only when it is absolutely necessary.
13. Place passwords on as many accounts as possible, avoid using date of birth, social security number or mother's maiden name.
14. Do not give personal information to anyone contacting you by phone or email even if they are claiming to be your bank/credit card representative, advise the person you will call the company back using the phone number from the statements.
15. If you get an email that warns you, with little or no notice, that an account of yours will be shut down unless you confirm your billing information, do not reply or click on the link in the email. Instead, contact the company cited in the email using a telephone number or web site address you know to be genuine and have aquired from another reliable source.
16. Shred or destroy trash that contains personal information.
17. Install firewall and anti-virus software on home computers.
18. Don't print your social security or driver's license number on checks.
Sometimes an identity thief can strike even if you've been very careful about keeping your personal information to yourself. If you suspect that your personal information has been stolen and/or misappropriate to commit fraud or theft, take action immediatley.
Card-skimming is the illegal copying of information from the magnetic strip of your ATM, debit or credit cards for the purpose of stealing your money from your financial institution. The scammers try to steal your details so they can access you accounts. Once scammers have skimmed your card, they can create a fake or 'cloned' card with your details on it. The scammers are then able to run up charges on,or drain funds from your account.
Card Skimming is accomplished through methods as low-tech as simply watching over your shoulder as you use the ATM or as high-tech as installing false card readers (or whole false fronts) on top of existing ATM's.
"…one of the best ways to protect yourself from fraud is to make sure University Credit Union has your current contact information, including daytime phone number."
ONCE A MEMBER ALWAYS A MEMBER!